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# Bonus Interest applies for the following month, if the Bonus Criteria is met in the prior month. Bonus Criteria will be met where the relevant amount is credited to the linked Day2Day Plus Account in the prior month (the relevant amount is $200 or more where you have a Fast Track Starter account and $1,000 or more where you have a Fast Track Saver account). This relevant amount does not include amounts transferred from another one of your BOQ Accounts. For balances over $250,000, the base rate applies. Interest is calculated daily on a stepped basis and paid monthly on the first day of the following month.

*Fees may apply for transactions through other Bank ATMs, Bank@Post withdrawals, and International Transactions using your Visa Debit card or credit card to access your account.

^Balances greater than $5,000,000 held in the same name are subject to approval. Additional interest only applies to account balances of $2,000 or more and is not available to existing customers of the Bank whether or not they hold a WebSavings Account. After 4 months from the account opening date, the interest rate will revert to the standard WebSavings Account interest rate.

Rate includes bonus interest of 1.60% p.a. which will be paid for 4 months from account opening date - to any new customers who open a WebSavings Account on or after 21 June 2018.

Interest rates are effective 22/10/2018. Interest rates are variable and subject to change without notice.

+Interest rates and discounts are effective 10 September 2018 and are subject to change at any time. The discounts agreed at time of application will not change and will continue to apply provided you do not vary your loan. The 2 Year Intro Rate Variable Home Loan is only available for loans with a minimum loan amount of $150,000 and maximum LVR of 90%. For construction loans, during the construction period your loan is treated as an interest only loan and the applicable interest only reference rate will apply. The agreed 2 year introductory discount will also apply during the construction period. Product only available for new home loan lending and is not available for refinance or restructure of existing BOQ loans. Full terms and conditions available at any BOQ branch.

^^Comparison rates calculated on the basis of a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

3Available for new to bank owner occupied lending only. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans, construction home loans or Self-Managed Super Fund loans. Full terms and conditions available online at www.boq.com.au. Conditions, Criteria and Fees Apply.

Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. BOQ's standard credit assessment criteria apply. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice. *No annual fee in your first year, and no annual fee ongoing as long as you have spent $12,000 per year on retail purchases in the previous year. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The first year begins from card approval. Subsequent years begin from the anniversary date of card approval. If you do not spend $12,000 in the previous year on retail purchases, you will be charged the standard annual fee, currently $129.

**Comparison Rate calculated on a loan amount of $30,000 over a term of 5 years. Fixed interest rates may vary between application and drawdown of the loan.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Fixed interest rates may vary between application and drawdown of the loan.

Conditions, Criteria and Fees Apply. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available online or at any Bank of Queensland branch.